Embrace | Pet Insurance Review

I've had Embrace insurance for a number of years and never needed to use it before - thankfully. But this year, our 10 year old girl has had one problem after another. Claims filing process was super easy and claims processing was completed within 2 days with reimbursement stated as a few days out. I wish my personal health insurance company was that efficient. Apollo fairly evaluated all of my claims and I am very satisfied with the final determination and outcome. Thank you Apollo and Embrace for being there for us and our girl!!

Customer care on the phone easy web site to submit claims.

I've had Embrace since my corgi was a puppy reading that Corgis tend to overeat and will get into the trash. Haven't had to use it after 9 years until he needed a mole excised as well as his teeth. It was seamless and Embrace contacted the vet if there was any details they needed. Payment was fast and painless.

Absolute trash. I didn’t have them long before I needed to file a claim. The process was straight forward at first, then came the request for more documents. At first I thought maybe the vets weren’t responding to the insurance emails, but once I got involved it became apparent they were willfully ignoring the info that was sent. So basically I paid my vet bills and added an additional monthly fee for a so called insurance company to put my claim in limbo so they didn’t have to pay it. After email and phone tag trying to get to the bottom of things, the info sent has a slightly different name to it so they refused to even look at it despite having all the required info. I canceled immediately. ***update*** Since they replied with a cookie cutter response here: let me be clear-this is NOT a case of me getting impatient. The vets involved all agree that “Embrace” was either intentionally making it difficult or incompetent.

This was my first claim and I started by contacting customer service to be sure I was submitting properly. The team was extremely helpful and everything moved along quickly. It was even more helpful when a prior document for my puppy was missing and as handled directly between embrace and my vet. The claim was completed quickly and updates were sent through the process. Emergency surgery for my 10 month old puppy was stressful enough and the embrace team absolutely made everything easier.